The household contents insurance is more than just financial compensation for theft. It takes many damages that may happen in your own four walls. Find the best deals!
By theft, fire or water damage, significant damage occurs in your household. The jumps in household insurance in case of emergency. Is necessary after water damage, a new carpet, they will pay. And if the wrap-fingered new sofa set, including plasma TV, you will receive from the household contents insurance money for the new acquisition.
Household insurance - Tips
It is important to note the correct sum insured. Otherwise there is underinsurance. This means that you have insured your device only in part. Accordingly, the household would replace insurance each subject only to this share. So pay attention to the correct coverage. As a guide, apply 600-800 € per square meter of living space.
A critical issue for household insurance are bicycles. Normally, bicycles are insured only if they are in locked rooms. Some insurance companies also allow wheels to put out there. Protection is but not always - for example at night. A complete protection for your bike makes the household contents insurance more expensive.
Scope of household insurance
Household insurance pays for damage caused due to fire, water damage and burglary. Also broken glass, and bicycle theft are insured. Payment is at the household insurance replacement value or repair costs exceed the maximum amount of insurance.
The correct sum insured
The sum insured should be calculated as the replacement value of your home Council. Do not have a particularly high value items, you should expect about 600-750 € per square meter. Do not economize on the sum insured - in the event of damage, this limits the performance of their household!
Caution underinsurance
In order to calculate the correct sum insured insurance, there is a rule of thumb, but - for instance if you own many antiques or expensive electronic devices - must be modified. The right insurance amount should be calculated according to the current replacement value. Multiply the living area in square meters with 600 to 750 euros - and you get an initial indication for the insurance money.
What happens when underinsurance
If you are underinsured, this means that the sum insured is lower than the actual value of your household. If it turns to the claim and the insurer, for example, a sub-set insurance of 50 percent, he may reduce the compensation payments also by 50 percent. This can be avoided by agreeing underinsurance waiver - then takes you to the insurer in case of damage from anything. All you have to but an official amount of minimum sum insured per square meter. Find out and let advice!
Scope
With home insurance you're protected from risks that cause damage to your household. The insurance covers furnishings such as carpets or furniture and utensils.
Who needs them?
Whether you need home insurance or not, can only decide for yourself.
Typical Claims
Household insurance insures the entire household from fire, burglary and water damage. To include household furniture and rugs as well as everyday objects such as dishes, clothing and tools.
Caution underinsurance
To calculate the correct sum insured, there is a rule of thumb, but - for example if you own many antiques or expensive electronic devices - must be modified.
How much does the household insurance?
The right insurance amount should be calculated according to the current replacement value. Multiply the living area in square meters with 600 to 750 euros - and you get an initial indication for the insurance money.
What should I do?
Incurred at your household from fire or water damage, you must observe some rules. Generally speaking, you have to do everything to keep the damage as small as possible.
Outside the apartment
What happens when expensive items are damaged, this does not happen within the four walls?
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